The Atmos Blog

Clearing the Air

Sep 14, 2021

Climate Positive Checking Account Launched

Nov 23, 2021
How to Close Your PNC or BBVA Account
Most recent data suggests that PNC uses nearly 10% of every dollar deposited to support the fossil fuel industry. PNC is one of the world's largest funders of fossil fuels. A critical part of everyone’s climate journey is changing to a sustainable bank, and if you want to help build a brighter tomorrow, changing where you bank is a great way to get started.
Team Atmos
Nov 22, 2021
Product Updates
Atmos launches Climate Dashboard & Higher Yields
This month, we’re very excited to release our new impact display to more closely connect you to the power of your money.
Nov 3, 2021
Atmos launches Round-Up Donations, Mobile Check Deposit, Higher Rates for all
Last month we brought you checking accounts, debit cards and mobile apps. Now we’re adding new features to enhance your banking experience. Together, we’re taking action to reverse global warming with our money.
Oct 13, 2021
Personal Finance
Ethical Banking In The USA: Understanding Socially Responsible Banking
Moving your money to a values-aligned provider is one of the most impactful things you can do to create a more just and equitable world, and because of their values and customer focus, you may find that they’re even better for your financial lives too! New financial technology companies like Atmos are going beyond the typical banking product set to bring greater mission and values-alignment to their customers. 
Team Atmos
Oct 12, 2021
Climate Action
What Are Eco-Friendly Debit Cards and Credit Cards?
One area that’s easier than ever to go green in is banking. Modern technology means that you’re no longer limited to the community banks nearby, and you don’t have to support the big banks that are backing big oil. Changing your bank and exercising your purchasing power are among the most impactful things you can do to reverse global warming.
Team Atmos
Oct 11, 2021
Climate Action
Conscious Consumerism
Conscious consumerism is an effective way to have a positive impact on the environment and society at large. There are lots of ways to practice conscious consumerism, but it all starts with taking a deeper look at your relationship with money and the products you purchase.
Team Atmos
Oct 10, 2021
Climate Action
Corporate Social Responsibility of Banks
If you care about social issues, it’s up to you to do business with companies that are committed to improving their corporate social responsibility. Without customers activity exerting their preferences towards social and environmental options, companies will not have incentives to shift away from environmentally and socially harmful business practices.
Team Atmos
Oct 8, 2021
Climate Action
How to Close Your Wells Fargo Account
Moving your money towards banks using it for good can be one of the most impactful things you can do. Atmos is using 100% of customers' money to accelerate the clean economy.
Team Atmos
Oct 8, 2021
Personal Finance
Where Do Banks Put My Deposits?
Curious where your bank is putting your money? Your money is circulating in the economy helpings all sorts of companies and projects that you might not want it to help. Now you can be intentional about the world your deposits are creating.
Team Atmos
Oct 6, 2021
Personal Finance
Making the Most of Your Money
A basic roadmap is an essential starting point in order to get a handle on your finances. Make the most of your money with basic money education and budgeting.
Team Atmos
Oct 6, 2021
Personal Finance
What is a Joint Savings Account?
Learn about joint savings accounts and if they're right for you.
Team Atmos
Oct 5, 2021
Climate Action
Socially Conscious Banking: What Is It and Why Should You Care?
Socially conscious banking enables everyone to be an impact investor. Atmos uses your deposits to accelerate the clean energy transition and a more climate-resilient future.
Team Atmos
Sep 17, 2021
Climate Action
How to Close Your Chase Account
Most recent data suggests that Chase uses nearly 10% of every dollar deposited to fund industries like chemicals, mining, oil & gas, and insurance companies. Chase is also the world's largest funder of fossil fuels. A critical part of everyone’s climate journey is changing to a sustainable bank, and if you want to help build a brighter tomorrow, changing where you bank is a great way to get started.
Team Atmos
Sep 17, 2021
Product Updates
Atmos Launches Checking, Debit Cards, Cash-back, iOS and Android apps
Take heart. More people around the world are waking up to the fact that we must all act together. Personal action leads to systemic change. With your help and support as an Atmos customer, we’re redefining what is possible within the banking system. We will meet the climate challenges that lay ahead. 
Sep 14, 2021
Climate Positive Checking Account Launched
Today we launched our climate-positive checking accounts giving customers more ways to align their money with funding the transition to a clean and equitable economy for all while earning up to 5% cash back on mission-aligned purchases.
Team Atmos
Sep 13, 2021
Climate Action
How Do I Reduce My Carbon Footprint
It's more important than every to reduce your carbon footprint. Change starts at an individual level, and every action we can take to reduce our carbon footprint is sorely needed. Whatever your path, contributing to a more livable planet for generations to come is a responsibility and opportunity we can not overlook.
Pete Hellwig
Sep 8, 2021
Personal Finance
Emergency Fund Calculator - A Guide to the Right Amount
Emergency funds are necessary to safeguard against all of the curve balls life is bound to throw at you. Having the right amount is important so that financial setbacks and unexpected life circumstances don’t leave you high and dry. Consider risk-free options for at least some of your savings so you know it’s there if and when you need it. 
Team Atmos
Sep 8, 2021
Climate Action
How to Close Your Citi Account
Most recent data suggests that Citi uses more than 15% of every dollar deposited to fund industries like chemicals, mining, oil & gas, and insurance companies. An important part of everyone’s climate journey is changing to a sustainable bank, and if you want to help build a brighter tomorrow, changing where you bank is a great way to get started.
Team Atmos
Sep 7, 2021
Personal Finance
Pros and Cons of CDs
If you are looking to safekeep your money in certificates of deposit, then you should learn both the positives and negatives that accompany them. This article will detail the main pros and cons that accompany CDs.
Team Atmos
Sep 3, 2021
Personal Finance
CDs versus High Yield Savings
Both CDs and high-yield savings can offer great returns, but the type of account you pick will depend on your unique circumstances. Let’s take a closer look at the two types of accounts and which is best for you.
Jess Lin
Aug 31, 2021
Personal Finance
7 Financial Planning Tips for a Baby
Becoming a new parent can be daunting for lots of reasons. Thinking through the finances early on can help give you peace of mind, allowing more time and energy to focus on your family when it matters most.
Jess Lin
Aug 30, 2021
Personal Finance
How Much Money Should I Keep in My Savings Account?
If you’re looking to build a general savings account to guard against whatever life might throw at you, whether next week or next year, a savings account is a great option because it’ll be there when you need it. Some financial experts say you should have the equivalent of at least three to six months worth of expenses put away for those no-risk rainy day funds.
Jess Lin
Jul 30, 2021
Personal Finance
Envest Stands Out Among Socially Responsible Investment Managers
ESG and SRI investing can be confusing and misleading. James Osborn from Envest Asset Management helps us cut through the noise.
Pete Hellwig
Jul 23, 2021
What is Eco-Friendly Banking?
A bank is a bank is a bank, right? Well, not quite, some actually improve the environment, vs use its deposits to pollute.
Jess Lin
May 19, 2021
Nonprofit Interviews
Saving the California Condor from Extinction: An Interview with Kelly Sorenson of the Ventana Wildlife Society
The California Condor population has greatly rebounded from near extinction in the 1980s thanks in large part to the work of the Ventana Wildlife Society. We sat down to speak with its Director, Kelly Sorenson.
Ravi Mikkelsen
May 5, 2021
Nonprofit Interviews
Getting to know Replate: A short conversation with Maen Mahfoud
Replate is solving for food insecurity and the climate crisis by matching excess food with those in need. Get to know Replate, how it works, and why it's needed. Give fee-free (as it should be!) through your AtmosACTION account.
Pete Hellwig
May 1, 2021
Product Updates
Atmos Makes it Free to Give... Huh?
If you donate regularly to 501c3 organizations, you’re likely frustrated by the amount of fees charged by transaction processors. Atmos has finally made it free to give so that more of your money is driving the impact we all need.
Pete Hellwig
Apr 29, 2021
What Are Your Bank Deposits Actually Funding?
More than half of your bank deposits may be funding conventional real estate if you use a generic bank. These assets are among the greatest sources of emissions in the world. Atmos provides its customers an option to increase the impact of their deposit dollars.
Pete Hellwig
Apr 23, 2021
Understanding the Social Cost of Carbon
What is the Social Cost of Carbon?
Clayton Birkes
Apr 15, 2021
Are Carbon Offsets Really the Answer?
Carbon offsets have been growing in popularity in recent years as more people and businesses are learning about the carbon footprint of their lifestyles and products. Some suggest, however, that carbon credits do not represent a meaningful step and are another form of greenwashing. While offsets do serve a purpose, reducing emissions has never been more important.
Pete Hellwig
Apr 13, 2021
Climate Action
The Easiest Way to Get a New Electric Vehicle
My wife and I recently used Cartelligent to lease a 2020 Chevy Bolt and they saved us thousands of dollars on the price and a lot of the hassle and time of going through our local dealerships.
Ravi Mikkelsen
Mar 22, 2021
Personal Finance
It’s not you, it’s definitely them. How to have an open relationship with your bank.
Earn more and align your money with your values by adding Atmos to your banking mix.
Pete Hellwig
Feb 15, 2021
Personal Finance
Maximize your Savings Rate when you Donate
Earn 0.11% across all accounts when you connect AtmosACTION to a participating 501c3. It's good for you, it's good for them, it's good for the environment.
Pete Hellwig
Feb 8, 2021
Multiple Savings Accounts: A Tool for Building Financial Security
Distinct savings accounts are a useful tool to build financial security and independence. Atmos customers now have the ability to open up to six unique high-impact FDIC-insured savings accounts. Good for you, and good for the planet.
Pete Hellwig
Jan 21, 2021
Customer Security is Our Highest Priority
The impact, our mission and vision are all no longer viable if our customers’ information or money is at risk of fraud at any point. That’s why we’ve made every effort to safeguard Atmos accounts and have designed Atmos from the ground up with security in mind.‍
Sean McCullough, Chief Technology Officer
Jan 21, 2021
Climate Action
How Atmos Calculates Carbon Impact
Summary of calculations and assumptions for AtmosACTION Carbon Impact number.
Ravi Mikkelsen
Jan 11, 2021
Climate Action
Make your voice heard with an AtmosACTION savings account
Atmos launches its AtmosACTION savings accounts: a high-impact savings account that will fuel the clean economy.
Pete Hellwig
Jul 16, 2020
The need for proactive programs to address wealth disparity from climate disasters
The climate crisis has the potential to perpetuate wealth disparity and result in more severe isolation along socioeconomic lines. Financial organizations have an important role to play in our transition and should be addressing these risks proactively and aggressively.
Pete Hellwig
Jun 15, 2020
Personal Finance
How Intentional Banking Can Build a Better Tomorrow
Using a bank that aligns with your personal value system ensures that your deposits are going towards building the tomorrow you want to live in. Our deposits and the companies, individuals and projects those loans are supporting are an extension of each of us, a vote towards building that better tomorrow.
Pete Hellwig
Jun 8, 2020
Clearing the Air: What's behind Bank of the West's green marketing campaign?
Clearing the Air is an ongoing series to shine light into the sustainability statements of the biggest banks.
Pete Hellwig
May 27, 2020
Clearing the Air: Recent bank announcements to not finance Arctic drilling lacks potency and clarity
A deeper review of recent pledges from major U.S. banks to not finance Arctic drilling uncovers carefully crafted caveats and a lack of commitment to environmental protection.
Pete Hellwig
Apr 22, 2020
Personal Finance
Earth Day Atmos Webinar: Personal Investment Opportunities to Fight Climate Change
Atmos was invited to participate on a panel showcasing different investment opportunities that individuals can take to help fight climate change.
Ravi Mikkelsen
Apr 21, 2020
COVID-19, the Climate Crisis and the Collective Power of Action
What can we learn from the coronavirus pandemic response and apply to the crisis of climate change? Voices from frontline communities must be elevated so that more people recognize climate change as an urgent matter that needs attention now. Atmos wants to hear and share these stories.
Pete Hellwig
Apr 21, 2020
What if Everyone Banked for the Climate?
Doing something as little as aligning your banking with your values has profound impact on society and our capacity to affect climate change.
Pete Hellwig
Apr 16, 2020
Personal Finance
Top Five Things You Can Use Your Money For to Help Stop Climate Change
Every major purchasing decision from here on out needs to move us away from fossil fuel use. How we store, spend, and invest our personal capital can have an outsized impact towards affecting this systemic transformation. Here are the top five actions you can take right now.
Ravi Mikkelsen
Jan 15, 2020
Solving Climate Change with a Loan
The modern world would not be recognizable without the auto loan & mortgage that help the bulk of the population afford their big-ticket capital items. The climate loan is the financial invention we need to popularize in the 2020s.
Saul Griffith

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Banking services are provided by Synapse's bank partners, Members FDIC.

* “Savings Rate” is the annual rebate Atmos pays on your deposits, similar to how a bank pays an interest yield. A Savings Rate of 0.80% assumes a monthly recurring donation to one of the available non-profit organizations supported by Atmos.
‍
1) CO2/yr saved from the atmosphere is indicative of potential impact of deposits derived from estimates of 2021 utility-scale solar installations across the country and is not necessarily indicative of Atmos funded accounts. Direct impact will be provided in application when available. 

2) CO2 equivalencies derived from this EPA GHG equivalencies calculator